Business Credit Card Special

Airline Credit Card Special

Reward Credit Card Special

Instant Approval Credit Card Special

Balance Transfer Credit Card Special

Not all credit cards work the same way. Cards can carry different privileges and different responsibilities for the cardholder. There are a number of different kinds of cards.

You may want to look out for a deal with 0% or low typical rate on both purchases and balance transfers. This is because other cards will charge you higher than average rate for new purchases while you make payments to your interest free balance transfer, so this is something you’ll need to bear in mind.

You may be charged a fee for balance transfers, either a percentage of the borrowed amount or a capped figure. A capped amount could be right for you if you're borrowing more - but you'll also need to bear in mind how long the interest free period runs and whether you will be able to afford to pay it off in that time.

Introductory offers could mean you pay no interest whatsoever on your credit card purchases or balance transfers for a limited period (for example, six months).

Read the small print. For example, if there is not a 0% rate for purchases, you will have to pay interest on these at the standard rate. Any repayments you make will go towards your balance transfer, so you will pay interest on purchases until you have paid the balance transfer in full.